Stop Running Short Before Payday: The Complete Paycheck Planning Kit
by The Smarter Assets
$27
You track every penny. You know where last month’s money went. And you’re STILL short before payday.
That’s not a discipline problem. Tracking only shows you what already happened. This kit helps you plan what happens next, before each paycheck lands.
Plan It Before Payday: The Complete Kit pairs the step-by-step guide with the ready-to-use Excel workbook. The guide tells you what to do and why. The workbook does the math for you. You can build your first plan in about 3 hours, split across two evenings.
What’s inside
📘 The Guide:
A 9-step method to build your paycheck plan, with worked examples
Troubleshooting for 12 common situations: partner won’t join in, overtime pay, three-paycheck months, credit card debt
Partner scripts and questions to ask your child’s school
A 90-day week-by-week plan
A printable fridge sheet for your weekly check
📊 The Workbook (Excel, 11 connected tabs)
Pay Rhythm & 12-Month Calendar, including your extra-paycheck months
Statement Sweep, to see what really leaves your account
Family Cost Finder, to price the whole year
Lumpy-Cost Pots, so a $600 Christmas becomes about $23 a paycheck instead of a December crisis
Bill-to-Paycheck Map, so every bill is matched to the paycheck that arrives just before it’s due
Paycheck Plan with a Zero Check, so every dollar has a job and the plan balances to $0
Weekly Caps Tracker and Weekly Money Check, a 15-minute habit that keeps spending in line
Money Moves Log, Monthly Review & Score
Live Payday Dashboard, with charts and KPI cards that update as you type
90-Day Progress Tracker, with checkpoints that tick themselves
How it solves your problem
See it coming. Your calendar shows every payday, and the months with a third paycheck.
Price the surprises. Birthdays, school trips and car repairs become small, planned amounts per paycheck.
Give every dollar a job. Before each paycheck lands, you write the plan. The Zero Check tells you if it doesn’t balance.
Match bills to paychecks. Your account stops dipping before payday.
Keep it alive. Weekly caps and a 15-minute check stop the plan from being abandoned in week two.
Easy to start
Instant download of both files
Yellow cells = type here, white cells = automatic. No formulas to build.
Works if you’re paid weekly, biweekly, twice a month or monthly, and if two adults are paid on different schedules
The guide also works on paper or in any spreadsheet, but the workbook saves you the setup
Make your next paycheck the first one with a plan.👇🏻